With business success comes challenges ... and opportunities. Expansion. New technology. Doing more with less. To be competitive, you need a reliable and accessible financial partner. Community South knows about the needs of growing businesses. We get to know each customer so when an opportunity comes your way, we have the knowledge to implement fast, creative financial solutions that are tailored for your business. Ask us about:

  • Business Loans
  • Residential Development & Construction Loans
  • Deposit Services
  • Community South Online Banking Services
  • Small Business Checking
  • Commercial Checking

Loans ... For All Reasons
When your business needs money, you need it now. Your Community South business banking officer will get to know and understand the unique cash needs of your business. We'll work with you to set up flexible repayment terms. And at Community South, you'll appreciate getting prompt answers to your loan requests ... because lending decisions are made locally. We can help with:

  • Accounts Receivable Loans
  • Commercial Real Estate Loans
  • Debt Consolidation Loans
  • Equipment Financing
  • Facility Construction/Expansion Loans
  • Inventory Financing
  • Letters of Credit
  • Real Estate Loans
  • Small Business Administration Loans
  • Working Capital Loans

Real Estate Development & Construction Loans –
Helping Home Builders
Build A BETTER Business
Community South loan officers understand the unique financial needs of developers and builders. We help our customers establish reasonable lines of credit, minimizing their financial risk. And because we are nearby, we can keep current with your construction progress, so that you can make timely draws – keeping suppliers and subcontractors paid and projects moving. We can assist you with:

  • Commercial Real Estate Development
  • Custom Construction
  • Speculative Home Construction Loans
  • Residential Development Loans
  • Construction/Permanent Home Mortgage Service – Working with both builder and home buyer to arrange a smooth transition from construction through the homeowner's loan closing.

Checking, Savings & CDs –
The Right Tools To Manage
Your Business' Cash
Day-to-day financial transactions are the lifeline of any business. We make it our job to know your company. To help you to choose ONLY the banking services your company needs. We'll evaluate your transaction volume and establish reasonable, predictable service fees. Choose from:

 

 

Free Small Business Checking

This account will meet the basic needs of smaller businesses that have fewer transactions each month.

  • Unlimited Check Writing/Transactions
  • Minimum Opening Balance - $100.
  • No Monthly Maintenance Fees Regardless of Balance.
  • 200 Free Monthly Transactions/Items; excesses $0.25
  • Image Statements
  • Free Debit Card‡
  • Free Internet
  • Free Business Online Bill Pay (Limited Transactions)
    • 0-15 No Charge
    • 16 + $0.40 each
  • 24 Hour Telephone Banking
  • Free Teller Transactions
  • Unlimited CSB or MoneyPass ATM Transactions

Commercial Checking

If you have a large business that makes frequent transactions we have the right account for you.

  • Unlimited Check Writing/Transactions (see Fees page).
  • Minimum Opening Balance - $100.
  • $10 Monthly Service Charge, $0.14 for each Deposit Transaction, $0.08 for each Deposit Item
  • Earnings Credit at 31 Day CD Rate on Current Balance (subject to change)
  • Image Statements
  • Free Debit Card‡
  • Free Internet Banking
  • Free Business Online Bill Pay (Limited Transactions)
    • 0-15 No Charge
    • 16+ $0.40 each
  • Free Teller Transactions
  • 24 Hour Telephone Banking
  • Unlimited CSB or MoneyPass ATM Transactions

Commercial Premium Money Market

  • $1,000 Opening Deposit
  • No Charge with $1,000 minimum balance; otherwise $10
  • Image Statements
  • Interest Paid In Tiers On Current Balance (tied to Fed Funds & subject to change)
    • $0-$9,999
    • $10,000-$100,000
    • $100,001-$250,000
    • $250,001+
  • 6 withdrawals monthly; excesses $10 each
  • Free Debit Card‡
  • Free Internet Banking
  • Free Teller Transactions
  • 24 Hour Telephone Banking

Business Super NOW Account

Business Super Now Accounts have limited eligibility; Corporations and Partnerships operated for profit are not eligible

  • $1,000 Opening Deposit
  • No Charge with $1,000 Minimum Balance; otherwise $10
  • Earns competitive interest rates on current balance (rates subject to change)
  • 300 Free Monthly Transactions/Items; Excesses $0.25 each
  • Image Statements
  • Free Debit Card‡
  • Free Internet Banking
  • Free Business Online Bill Pay (Limited Transactions)
    • 0-15 No Charge
    • 16+ $0.40 each
  • Free Teller Transactions
  • 24 Hour Telephone Banking
  • Unlimited CSB or MoneyPass ATM Transactions

‡Liability clause disclosures must be signed before issuing Debit Cards on Commercial Accounts.

Community South: Online Banking

You're just a click away from managing all of your Community South accounts online. Whether it's paying your bills, managing your cash or looking at loan balances, Community South Online Banking allows you to do your banking business more quickly and efficiently. Ask us about how you can minimize monthly service fees by conducting business online.

Cash Management Services Tailored
For Your Business
By using Community South Online Banking, you can perform a wide variety of activities electronically:

  • Pay Bills – Pay bills online electronically or via paper draft.
  • ACH Payments – Transfer funds to any account anywhere ... anytime.
  • Payroll – Credit multiple accounts at any financial institution.
  • ACH Receipts – Collect funds owed you from any customer's bank.
  • Collections – Automatically collect recurring fees from multiple accounts simultaneously.
  • Electronic Federal Tax Payment Service – Make tax payments directly to IRS.
  • Wire Transfer Requests – Perform wire transfers over the Internet for same-day credit.
  • FastPay Inclearings – View online customer bill payments made to your company.
  • Order Currency – Place coin and currency orders; schedule pickup time and location.
  • Authorize Transactions – Establish different levels of security for various employees.
  • Supervisor Functions – Set up individual user rights for branch companies and subsidiaries of most cash management features.

To test drive Community South Online Banking and Cash Management Services, return to the home page.

Other Community South Services For Your Business

  • Image Statements – Your canceled checks are laser imaged on easy-to-file
    8-1/2" x 11"     pages. Requires a fraction of the storage space...speeds
    account reconcilement.
  • Credit Cards – Whether you need cards to transact business...or the ability to handle customer payments via card...we'll take care of you!
  • Night Depository
  • Safe Deposit Boxes
  • Phone Banking – Account information 24-hours a day.

Call Today!
At Community South, we are anxious to become your hometown financial partner. Call any of our full-service banking offices ... and we'll show you how we can assist you in managing your assets and cash flow ... helping your business and profits grow!